Determinants of the Price and Non-price Terms of Bank Loans: A Study of Malaysian SMEs

Autor:	Shaista Wasiuzzaman
Jazyk:	angličtina
Rok vydání:	2021
Předmět:	bank lending loan pricing loan terms loan conditions smes Business HF5001-6182
Zdroj:	Australasian Accounting, Business and Finance Journal, Vol 15, Iss 3, Pp 43-66 (2021)
Druh dokumentu:	article
ISSN:	1834-2000 1834-2019
DOI:	10.14453/aabfj.v15i3.4
Popis:	The aim of this study is to investigate the determinants of the price and non-price terms of banks loans to SMEs. Responses from a survey questionnaire answered by 74 SMEs that had applied for and were granted bank loans is analyzed using SEM-PLS. The results indicate that the condition and capacity of the SME is significant in influencing interest rates while the SME’s ability to provide collateral, its capital and the character significantly influence the non-price terms. Soft information is highly significant in influencing both the price and non-price terms.
Databáze:	Directory of Open Access Journals
Externí odkaz:	https://doaj.org/article/52de30d03e424304b72bf9dd779f6eb9 Zobrazit plný text záznamu View record in DOAJ Plný text ve formátu PDF